Community Chat

[Icegoddess]

Lately, I have been requested by more than one credit card to update my income every time I log in.  I see no reason to do this.  I gave them income information when I opened the accounts and I have paid my balance, usually in full, every month.  That's all they need to know about my income.  They like to say it's because they might want to give me an increase in my credit limit, but I don't want or need an increase and, in fact, a couple of my credit cards have actually decreased my credit limit because my spending habits indicate I don't need it.  Or, at least that was the claim when they decreased it.  

[Kachina624]

I ignore those requests too. 

[PickyPicky3]

I'm getting them, too. What's annoying is I can't get through to my account info without entering some number. 

[deepwaterdotter]

I just bypass the request page to my account information.

[Icegoddess]

@deepwaterdotter @PickyPicky3 @Kachina624 I just bypass the info too, but today I even got an E-mail from one of them with the title Recommended Action Regarding Your Account.  

[Kachina624]

@Icegoddess   Sounds like a lot of people are ignoring those requests so they're upping their game. 

[PickyPicky3]

Capitol One wouldn't let me bypass. This was when I was going into my account info, not responding to an e-mail.

[Still Raining]

My cards are all older accounts and I don't know actually what income they have.

They do keep upping the credit limit to eye popping amounts and send me offers for this and that.

Since covid my spending has gone way down to laughable amounts.  So I am waiting for them to lower something 🤔

[sgraham30]

I get that request all the time too, I ignore it as well. I don't want my credit limits increased, I never spend up to my current limit & I pay the balance due in full every month. There have been times I've called to decrease the credit limit. 

[Icegoddess]

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@Still Raining wrote:

My cards are all older accounts and I don't know actually what income they have.

They do keep upping the credit limit to eye popping amounts and send me offers for this and that.

Since covid my spending has gone way down to laughable amounts.  So I am waiting for them to lower something 🤔

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@Still Raining I don't know what I gave them for income either or I would just tell them it's the same.  I'm retired now and really don't have what would be considered income. I don't yet get social security.  But, my husband lets me know every year at tax time that I definitely do have an income.